| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 | 500 1ST ST SW STE SE CEDAR RAPIDS, IA 52404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56K | $0 | $56K | 11.22% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SW STE SE CEDAR RAPIDS, IA 52404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $22K | $22K | 4.47% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 3.78% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $950 | $0 | $950 | 1.74% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SVCS INC | P O BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $739 | $0 | $739 | 1.35% |
| CARUTH, JENNON, M3 Filed as: CARUTH JENNON M | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $296 | $0 | $296 | 0.54% |
| TRUENORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 52406 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 8.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $780 | $0 | $780 | 1.72% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 52406 | HARTFORD LIFE AND ACCIDENT | $477 | $0 | $477 | 15.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 287 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $501K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $501K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $501K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.